Bottom Line Consultants is a community-minded organization that blends business lending principals of responsible credit risk with sound lending practices to foster positive community impact.
Business lending can feel daunting, but it doesn’t have to be.
It’s no secret - a combination of simple and logical credit policies and procedures, supportive and connected financial management, and effective team adoption and flexibility is what differentiates the more effective and efficient lenders from the rest.
We can help with that. Whether your organization is an emerging CDFI that offers microloans to businesses, a large, federally insured financial institution that invests in multi-million dollar commercial projects, or somewhere in between - let us share in the responsibility of meeting your mission.
How We Help
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Underwriting
Business / Commercial underwriting services cover a broad range, from microloans that help entrepreneurs grow, to multi-million dollar commercial real estate investment projects.
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Loan Policies
We deliver professional gap assessments and tailored revisions to loan policies and procedures, ensuring clarity, compliance, and alignment with industry standards, supported by practical tools.
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Credit Training
Hands-on training, including tools tailored to your needs, will provide your team the skills to identify credit risk. Our approach allows your team to assess the Sources of Credit Repayment Strength.
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CDFI Certification
We draft application responses, provide tools, and keep the project on schedule.
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CECL Method
We train staff on how to allocate loss reserves that align with the FASB - required CECL methodology.
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Financial Mgmt
We support financial management functions including accounting, budgeting and forecasting.